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Ameris Bancorp ABCB Provision for Credit Losses

Provision for Credit Losses at other companies

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First Financial BancorpFFBC
$12.93M+42.4%

Other financials

Income statement

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Revenue$326.0M+8.4%
Net income$51.4M-53.2%
EPS (diluted)$0.77-51.9%

Balance sheet

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Cash & equivalents$1.2B+2.3%
Total debt$50.7M-5.1%
Total equity$4.1B+4.4%
Total assets$28.5B+6.8%

Cash flow

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Operating cash flow$79.4M+29.4%
CapEx$8.6M+12.5%
Free cash flow$70.8M+31.8%

Valuation

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Market cap$5.92B+28.5%
P/E15.7×+4.0×
P/S4.7×+0.7×

Profitability

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Net margin29.8%-3.9pp
FCF margin41.4%+7.5pp

Returns & leverage

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Return on equity9.4%-1.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The source filing: Ameris Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 3:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000351569-26-000143
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Provision for loan losses15,8943,11033,78919,629
Provision for unfunded commitments1,360(335)225,038
Provision for other credit losses(1)(3)(7)(3)
Provision for credit losses17,2532,77233,80424,664
Net interest income after provision for credit losses235,231229,041463,116428,988
Noninterest income
Service charges on deposit accounts14,04413,49327,72326,626
Mortgage banking activity32,52639,22169,53474,475

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's provision for credit losses?
Ameris Bancorp (ABCB) reported provision for credit losses of $17.25M in Q2 2026.
How has Ameris Bancorp's provision for credit losses changed year-over-year?
Ameris Bancorp's provision for credit losses increased by 522.4% year-over-year, from $2.77M to $17.25M.
What is the long-term trend for Ameris Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), Ameris Bancorp's provision for credit losses has grown at a 19.0% compound annual growth rate (CAGR), from -$35.08M to $70.24M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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